A Clo Bare Money Coach student success story
If you’ve been researching Clo Bare Money Coach and looking for a student testimonial that sounds like your situation — this one might be it.
Tina wasn’t broke. She wasn’t drowning in debt. She wasn’t starting from zero.
She had $100,000 sitting in her checking account earning her a dollar a month in interest. She had a 403b she’d been contributing the bare minimum to for fifteen years. And she had a quiet, nagging feeling that her money should be doing a lot more for her than it was.
She just had no idea where to start.
Four months after joining the Lazy Investor’s Course, she had moved that money into the market, opened five new accounts, maxed her Roth IRA, set up 529s for all three of her kids, and grown her total portfolio from $200,000 to $325,000.
That’s a $125,000 increase. In four months.
Where Tina Started
Tina is 36 years old with three kids and, by her own description, a numbers person. She’s organized. She’s comfortable with spreadsheets. She knew how to manage her cash flow and keep herself on track.
What she didn’t know was investing.
It just wasn’t something her family did. Her partner wasn’t interested in it. She had a 403b from when she started her job fifteen years ago, contributing just enough to get the employer match, and beyond that — she never thought about it much.
Then she sold her home, came away with a significant chunk of money, and deposited it into her checking account. Where it sat. Earning her, in her words, “a dollar and a half in interest a month.”
She’d laugh about it. But she knew something was wrong.
When investing content started showing up on her Instagram feed, something clicked. She started researching — financial advisors, other courses, different options. She met with a financial advisor who quoted her a 1.5% annual fee. She found another self-paced course with a price tag she wasn’t ready for.
Then she found Clo Bare.
She followed the content for a while, went through the free masterclass, and decided to give it a go herself. She completed the Lazy Investor’s Course between September and December 2025.
This is the part that still blows my mind when I look back at it.
In the roughly four months between starting the course in September 2025 and January 2026, Tina:
- Moved her $100,000 out of checking and into the market
- Opened a brokerage account with diversified fund selections
- Opened a Roth IRA and maxed out the full 2025 contribution — plans to max 2026 too
- Opened 3 separate 529 accounts — one for each of her three kids
- Opened a money market account for her emergency fund
- Opened a small crypto account
- Rolled over an old IRA into her 403b for consolidation
- Increased her 403b contributions from 5% traditional to 8% Roth + 2% traditional
- Set up automated contributions into her brokerage and 529s
- Diversified her 403b out of a 100% target date fund
And the result? Her total portfolio grew from $200,000 to $325,000 — a $125,000 increase in four months. She earned $6,000 just from being in the market in those first few months, compared to the roughly $3 she would have earned sitting in checking.
On Track for $3.7 Million
Here’s where the numbers get really exciting.
Tina ran the projections using the wealth planner and goal-setting tools in the course — and being the numbers nerd she is, she ran them multiple ways.
Based on a 25-year calculation with a 2.5% inflation estimate, she needs approximately $3.7 million to retire comfortably. Using a weighted average rate of return across her funds, she could hit that number by age 55. Using a 10% average return, she hits it by age 62.
Either way — she’s on track. With a real plan, real numbers, and real accounts she manages herself.
That’s a very different place than a dollar a month in checking account interest.
First Generation Investor — For Herself and Her Kids
One of the most meaningful parts of Tina’s story isn’t the portfolio number. It’s what she’s building for her kids.
Tina’s parents were savers, not investors. Money was tight enough that keeping it safe felt more important than growing it. The message she grew up with was save what you have — not make what you have work for you.
Tina is changing that story. Not just for herself, but for her three children who now each have a 529 account growing for their futures — college, trade school, whatever they choose.
She told me she plans to be a big advocate for teaching her kids about money as they grow up — investing, saving, planning — so they have all the tools she didn’t have when she was starting out.
That’s generational wealth building in real time.
How She Feels Now
I asked Tina how it felt to go from “I don’t really think about investing” to managing her own diversified portfolio across six accounts in four months.
In her own words:
“So knowledgeable, empowered, prepared, and independent. I am a numbers person by nature, so I have also just loved crunching the numbers across the accounts, looking at possible future estimations of what growth might look like. I’m loving getting a more solidified plan in place for what a realistic retirement age might look like — and knowing how to calculate and plan for it.”
She also said something about the experience of completing the course that I think a lot of people will relate to:
“It feels super empowering. I’ve purchased different courses before where you don’t end up sticking with it, you don’t finish it. This one I was just a lot more invested — in getting invested. I feel very proud of myself. I feel very independent. I’m kind of tickled, honestly.”
What Made Her Choose Clo Bare Money Coach
Tina looked at several options before landing on the Lazy Investor’s Course — a financial advisor quoting 1.5% in annual fees, another course with a high price tag she wasn’t ready for. She found Clo Bare on Instagram and spent some time following the content before committing.
What sealed it for her: the price felt reasonable, the teaching style felt approachable, and the lifetime access meant she could go back and review whenever she needed a refresher.
“You just are also very approachable and encouraging. I’ve enjoyed learning from you with your modules.”
She also specifically mentioned the tools — the Wealth Planner, the Monthly Budget, the Goal Setting spreadsheet — as things she’s been “heavily using and loving,” adding her own documentation on top of them because she couldn’t stop nerding out on the numbers.
That’s the kind of Clo Bare Money Coach student review I love to share — not just someone who watched the videos, but someone who dug in, built on the tools, and made it completely her own.
Is the Lazy Investor’s Course Worth It? Tina’s Answer.
Tina had $100,000 sitting in a checking account earning her a dollar a month. She knew something was off. She just needed someone to show her what to do with it.
Four months later, that money is in the market. Her portfolio has grown by $125,000. She has accounts set up for herself and her three kids. She has a real retirement plan with real numbers. And she’s managing all of it herself.
“Thank you for developing the course. Thank you for being a supporter and an encourager and very present and accessible. And for offering the course at a reasonable amount of money to encourage people to be able to learn on their own and to be independent with this — when it’s totally possible.”
If you’ve been sitting on money that’s doing nothing, wondering whether you should hire a financial advisor or just figure it out yourself — Tina’s answer is pretty clear.
Watch Tina’s Full Story
Hear Tina tell it in her own words — including the moment she realized $100,000 in checking was earning her almost nothing, and what it felt like to finally have a plan.
Ready to Start Your Own Story?
The same free investing class Tina attended is happening weekly.
Register for the Free Investing Class Here: https://www.thelazyinvestorscourse.com/masterclass
Hear from more students: https://clobare.com/clo-bare-money-coach-reviews/
Clo Bare Money Coach is a personal finance education brand founded by Chloé Daniels, named Bankrate’s Best Overall Personal Finance Influencer for 2025. The Lazy Investor’s Course has helped thousands of women build wealth, pay off debt, and take control of their financial futures.
